Vitals
  • Total Assets
    3.1B
  • Total Deposits
    2.6B
  • Total Net Loans
    2.3B
  • Net Income
    27.1M
  • Book Value
    402.0M
  • Book Value x2
    804.1M
  • Book Value x3
    1.2B
ROAA

.884

ROAE

6.869

Efficiency Ratio

55.401

Net Interest Margin

5.058

Balance Sheet Highlights
Financial Highlights First Bank & Trust All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 3,149,104 402,003
Total Net Loans 2,264,379 311,413
Total Deposits 2,641,717 329,266
Total Equity 402,027 43,096
Profitability
Net Income 27,137 25,486
Return on Average Assets .884 1.314
Return on Average Equity 6.869 13.25
Net Interest Margin 5.058 4.72
Efficiency Ratio 55.401 70.571
Noninterest Income/Revenue 11.076 17.951
Balance Sheet Ratios
Loan-to-Deposit 85.716 79.996
Securities/Assets .147 .565
Total Equity/Total Assets .128 .107
Tangible Equity/Tangible Assets .091 -.501
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 253,256 36,586
Tier 2 Capital 35,525 4,997
Total Capital 288,781 40,603
Total Risk Weighted Assets 2,835,629 297,947
Leverage Ratio 8.26 9.93
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 8.93 13.579
Total Capital Ratio 10.18 14.805

Timeline for First Bank & Trust

First Bank

First Bank & Trust was acquired by First Bank 21 years

View Profile Mar 31 2003

Byl Bank Group

Acquisition: First Bank & Trust acquired a new subsidiary, Byl Bank Group, 22 years

View Profile Nov 01 2001

Charter Pacific Bank

Acquisition: First Bank & Trust acquired a new subsidiary, Charter Pacific Bank, 22 years

View Profile Oct 17 2001

Charter Pacific Financial Services

Charter Pacific Financial Services became a new subsidiary organization for First Bank & Trust.

View Profile Oct 16 2001

Bank Of San Francisco

Acquisition: First Bank & Trust acquired a new subsidiary, Bank Of San Francisco , 23 years

View Profile Mar 30 2001

Want to see more?

Complete timeline for First Bank & Trust is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Bank Buyer 6,128,871 Pooling of Interests Discontinued 3/31/2003
Byl Bank Group Seller 282,072 Acquisition Discontinued 11/1/2001
Charter Pacific Bank Seller 96,595 Acquisition Discontinued 10/17/2001
Bank Of San Francisco Seller Pooling of Interests Discontinued 3/30/2001
Millennium Bank Seller 110,401 Acquisition Discontinued 12/29/2000
Commercial Bank Of San Francisco Seller 155,539 Pooling of Interests Discontinued 11/1/2000
First Bank Of California Seller 575,385 Pooling of Interests Discontinued 11/1/2000
First Bank Texas National Association Seller 291,260 Pooling of Interests Discontinued 11/1/2000
First Bank Branch Seller Pooling of Interests Discontinued 11/1/2000
Bank Of Ventura Seller 65,490 Acquisition Discontinued 9/1/2000
Century Bank Seller 170,192 Acquisition Discontinued 12/31/1999
Republic Bank Seller 124,805 Acquisition Discontinued 9/15/1998
Queen City Bank, National Association Seller 50,801 Acquisition Discontinued 4/16/1996
La Cumbre Savings Bank, F.S.B. Seller 137,734 Acquisition Discontinued 1/17/1996
Irvine City Bank, Fsb Seller 81,207 Acquisition Discontinued 8/23/1995
Huntington National Bank Seller 89,002 Pooling of Interests Discontinued 8/18/1995
First Pacific Bank Seller 118,841 Failure 8/11/1990
Relationships Role Relationship Start Relationship End
San Francisco Company, The Parent 3/30/2001 3/30/2003
First Banks America, Inc. Parent 11/1/2000 3/29/2001
First Banks, Inc. Parent 7/8/1999 10/31/2000
Ccb Bancorp, Inc. Parent 5/24/1982 7/7/1999
Ccb Bancorp, Inc. Parent 9/21/1981 5/23/1982
Bank Of San Francisco Realty Investors Subsidary 3/30/2001 3/30/2003
Charter Pacific Financial Services Subsidary 10/16/2001 2/20/2002
Eucalyptus Financial Corporation Subsidary 7/17/2000 8/31/2001
Burdell Corporation Subsidary 11/1/2000 12/8/2000
Automated Processing And Development Corp. Subsidary 12/31/1982 3/31/1987
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